Total Wealth

Not sure where to start with your finances?

Start with a conversation.

You might be thinking about:
- Buying a home
- Reviewing your mortgage
- Checking your KiwiSaver
- Planning for retirement
-Investing for the future
- Protecting your family or business

Getting a clearer plan for the years ahead

You do not need to arrive with spreadsheets, perfect goals or all the right questions.

At Total Wealth, we will meet you where you are, explain things clearly and help you understand your options.
Book a free consultation with Nigel or Katrina and let’s make your next financial step feel clearer.
Book a free chat here at atiem to suit you https://app.acuityscheduling.com/schedule/75f0c3f2

When working in rural Selwyn and you happen to be in Sheffield it would be rude not to stop for lunch at the famous Sheffield pie shop 🥧😊

Should you be in shares, property, gold, cash or bonds?

The truth is, there is no single “best” investment all the time.

Gold might have a strong run. Shares might lead the way in another period. Cash can feel safe, but inflation still matters. Property can perform well, but it has its own ups and downs too.

Last decade’s winner may not be next decade’s winner.

That’s why constantly moving your money into whatever has recently done well can be risky — you may end up buying after prices have already risen and selling other investments after they have fallen.

A better approach?

Stay diversified. Keep your timeframe in mind. Review your plan when your circumstances change, not just because the headlines do.

This is where we come in - helping you stay clear on your long-term plan and avoid knee-jerk decisions when markets move.

www.totalwealth.co.nz

Wishing Nigel a very happy birthday from all the team 🎊

There will be cake!

Mānawatia a Matariki.

As we pause to mark the Māori New Year, it’s a time to reflect on the year gone by, celebrate the present and look ahead with hope.

From all of us at Total Wealth, we wish you and your whānau a peaceful Matariki.

Cash may feel safe, but standing still can still cost you.

Cash is important for emergencies, short-term goals and money you may need soon.

But over the long term, inflation gradually reduces what your money can buy. That means the return you earn matters less than the return you keep after inflation and tax.

The right balance depends on when you need your money and what you are trying to achieve. Not sure? Let's grab a coffee and have chat.

If you want to dive in more, read here: www.totalwealth.co.nz/2026/07/02/what-100-years-of-investment-returns-can-teach-us

What Can Nearly 100 Years Of Investment Returns Teach Us?

Firstly, 100 years of market history tells us one thing: there is no permanent winner.

Shares, property, bonds, cash and gold have all had their time at the top - and their tougher periods too.

That is why successful investing is rarely about chasing the latest standout performer. It is about having a diversified strategy that suits your goals, timeframe and comfort with risk.

Our latest article is a great read as it looks at the key lessons we can take from long-term investment returns.

Read more: www.totalwealth.co.nz/2026/07/02/what-100-years-of-investment-returns-can-teach-us/

Thinking about buying, refinancing or restructuring your mortgage?
Please do not just accept whatever pops up first.

The right lending structure can affect:
- How much interest you pay
- How quickly you repay your loan
- How flexible your finances feel
- How much breathing room you have when life changes

At Total Wealth, we compare options across lenders and help you structure your mortgage around your bigger financial picture.

Because a home loan is not just a rate.

It is a strategy 🏡

There is a lot for households to think about right now.

Interest rates are moving.

Living costs are still being felt.

Markets are up one week and down the next.
And KiwiSaver has had some important changes too.

It is no wonder many people feel unsure about what to do next.
But uncertainty is exactly when a clear financial plan matters most.

You do not need to react to every headline. You need a strategy that suits your goals, your stage of life and your comfort with risk.

Book a free chat with Nigel or Katrina
https://app.acuityscheduling.com/schedule/75f0c3f2

KiwiSaver has changed -but has your strategy changed with it?
From April 2026, the default employee and employer contribution rate moved from 3% to 3.5%, with another increase to 4% planned from April 2028.

For some people, that is a helpful step towards building more for retirement.

For others, it raises questions about take-home pay, affordability and whether their current fund still suits their goals.
KiwiSaver is not something to “set and forget” for years.

Your fund type, contribution rate and long-term plan can make a real difference - whether you are saving for your first home or planning for retirement.

At Total Wealth, we can review your KiwiSaver and help you understand whether it is working hard enough for your future.
Start with a free chat over a coffee ☕

Book today, no obligation, just friendly help: https://app.acuityscheduling.com/schedule/75f0c3f2